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If the accident's been reported it's on your driving record and your premium goes up. You do (probably) have the right to pick your own shop, but the insurance company will play hardball and try to convince you to use theirs. Remember that they use the lowest bidder and the quality of the work can reflect that. Make sure you pick a guy you trust to do the work properly and you'll be fine.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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